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Member
cltyank
Posts: 12
Registered: ‎06-13-2007

PFD for Charge-off

This account was settled with the original creditor and is almost three years old.  I owe 2k on the credit line.  Should I send a PFD letter or DV first and see what comes back?  This account is not in collections and is closed on the CR.
 
 
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007

Re: PFD for Charge-off

So the account shows up as a chargeoff?
Member
cltyank
Posts: 12
Registered: ‎06-13-2007

Re: PFD for Charge-off

[TransUnion] Payment after charge off/collection
Settled - less than full balance  
[Experian] Account legally paid in full for less than the full balance.  
[Equifax] Settlement accepted on this account
Amount in H/C column is credit limit  
Member
cltyank
Posts: 12
Registered: ‎06-13-2007

Re: PFD for Charge-off

Bump
Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007

Re: PFD for Charge-off

Member
cltyank
Posts: 12
Registered: ‎06-13-2007

Re: PFD for Charge-off

Received my GW response from Chase today, no go!  Letter came from the Executive Office of Card Services.  Now this TL is CO, next step?
Member
powerup
Posts: 47
Registered: ‎07-18-2007

Re: PFD for Charge-off

I would do a DV first and then if they can provide the information. Then, PIF.
Member
cltyank
Posts: 12
Registered: ‎06-13-2007

Re: PFD for Charge-off

Do I DV through the CRA's first? 
Member
cltyank
Posts: 12
Registered: ‎06-13-2007

Re: PFD for Charge-off

bump
Member
powerup
Posts: 47
Registered: ‎07-18-2007

Re: PFD for Charge-off

Do the DV with the Collection Agency itself, not the credit bureaus. Sorry I didn't answer before been a rough week.

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